“Women can understand well enough when they want money,” cried the sharp lady; “and the short and the long of it is, Mr. Ludgate, that I will see and settle accounts with Allen myself; and bring him to reason, if you won’t; and this minute, too.”

“Bless me! upon my faith, Allen’s better than we thought: here’s bank-notes within the account,” said Mr. Ludgate.

“Ay, I thought he could not be so very impertinent as to refuse when I sent to him myself. But this is only one five pound note: I sent for ten. Where is the other?”

“I want the other myself,” said her husband.

The tone was so peremptory, that she dared not tempt him further; and away she went to Messrs. Run and Raffle’s, where she had the pleasure of buying a bargain of things that were of no manner of use to her, and for which she paid twice as much as they were worth. These cheap days proved dear days to many.

Whilst Mrs. Ludgate spent the morning at Messrs. Run and Raffle’s, her husband was with Tom Lewis, lounging up and down Bond-street. Tom Lewis being just one step above him in gentility, was invited to parties where Ludgate could not gain admittance, was bowed to by people who never bowed to Leonard Ludgate, could tell to whom this livery or that carriage belonged, knew who everybody was, and could point out my lord this, and my lady that, in the park or at the play. All these things made him a personage of prodigious consequence in the eyes of our hero, who looked upon him as the mirror of fashion. Tom knew how to take advantage of this admiration, and borrowed many a guinea from him in their morning walks: in return, he introduced Mr. Ludgate to some of his friends, and to his club.

New occasions, or rather new necessities, for expense occurred every day, in consequence of his connexion with Lewis. Whilst he aimed at being thought a young man of spirit, he could not avoid doing as other people did. He could not think of economy! That would be shabby! On his fortune rested his claims to respect from his present associates; and, therefore, it was his constant aim to raise their opinion of his riches. For some time, extravagance was not immediately checked by the want of money, because he put off the evil day of payment. At last, when bills poured in upon him, and the frequent calls of tradesmen began to be troublesome, he got rid of the present difficulty by referring them to Allen. “Go to Allen; he must settle with you: he does all my business.”

Allen sent him account after account, stating the sums he paid by his order. Ludgate thrust the unread accounts into his escritoire, and thought no more of the matter. Allen called upon him, to beg he would come to some settlement, as he was getting more and more, every day, into his debt. Leonard desired to have an account, stated in full, and promised to look over it on Monday: but Monday came, and then it was put off till Tuesday; and so on, day after day.

The more reason he had to know that his affairs were deranged, the more carefully he concealed all knowledge of them from his wife. Her ignorance of the truth not only led her daily into fresh extravagance, but was, at last, the cause of bringing things to a premature explanation. After spending the morning at Messrs. Run and Raffle’s, she returned home with a hackney-coach full of bargains. As she came into the parlour, loaded with things that she did not want, she was surprised by the sight of an old friend, whom she had lately treated entirely as a stranger. It was Lucy, who had in former days been her favourite companion. But Lucy had chosen to work, to support herself independently, rather than to be a burden to her friends; and Mrs. Ludgate could not take notice of a person who had degraded herself so far as to become a workwoman at an upholsterer’s. She had consequently never seen Lucy since this event took place, except when she went to Mr. Beech the upholsterer’s, to order her new furniture. She then was in company with Mrs. Pimlico: and, when she saw Lucy at work in a back parlour with two or three other young women, she pretended not to know her. Lucy could scarcely believe that this was done on purpose; and, at all events, she was not mortified by the insult. She was now come to speak to Mrs. Ludgate about the upholsterer’s bill.

“Ha! Lucy, is it you?” said Mrs. Ludgate, as soon as she entered. “I’ve never seen you in Weymouth-street before! How comes it you never called, if it was only to see our new house? I’m sure I should always be very happy to have you here—when we’ve nobody with us; and I’m quite sorry as I can’t ask you to stay and take a bit of mutton with us to-day, because I’m engaged to dine in Bond-street, with Mrs. Pimlico’s cousin, pretty Mrs. Paget, the bride whom you’ve heard talk of, no doubt. So you’ll excuse me if I run away from you, to make myself a little decent; for it’s horrid late!”